Home Loans

Home Ownership Options

Looking to finance—or refinance—your home? We’ve got your back with best-in-class North Star loan options.

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Helping you find a place to call home, or find value in the home you already have.

Purchase or refinance your home

Get a Fixed or Adjustable Rate

Purchase or refinance your home

Access Your Existing Home Value

Purchase or refinance your home

Home Ownership Loan Options

HOME EQUITY LOAN

A Home Equity Loan is based on your home’s value —but unlike a HELOC, it’s paid in a lump sum at a fixed interest rate. This loan can be a useful consolidation tool if you plan to spend a fixed amount.

Apply for a Home Equity Loan

HOME MORTGAGE

We help you apply for the best mortgage for your specific life circumstances. Work with our personable staff on North Star home loans to learn about your best options. We find you the lowest fees with fair rates.

Apply for a Mortgage

HOME EQUITY LINE OF CREDIT

A Home Equity Line of Credit is a type of loan that allows homeowners to borrow against the equity in their home. This can be used for a variety of purposes including home renovations, debt consolidation, education expenses, medical bills, or any other major expenses. Click here to review the HELOC disclosure prior to applying.

Apply for a HELOC

Home Mortgages and Refinancing

Our North Star home loans give our members a range of mortgage and loan options with fair rates and low fees. In addition to NSCU’s personal member service, you can easily apply online to get pre-approved for a mortgage. Some loan options may give you instant online pre-qualification.

Our mortgage loans offer you the options you need to purchase a new house or refinance your current home:

Fixed and Adjustable Rate Loans
Down payment assistance programs may be available

What is the process for buying a home?

Decide how much you can afford
Decide on a loan
Apply for pre-qualification or pre-approval
Find your home
Make an offer
Go through inspections
Closing process

Home Equity Loans

Your home may be a good resource for cash. If you have owned your home for some time, it’s possible you have thousands of dollars worth of equity you can use as a source of funds.

Equity is the difference between the market value of your home and the amount you owe on your mortgage. By taking out Northstar home loans on equity, you can pay for college tuition, make home renovations, purchase a car, or take care of other major expenses.

We offer closed-end home equity loans which offer the following advantages: